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Jill on Money with Jill Schlesinger

Too Much in Pre-Tax Retirement?

Jill on Money with Jill Schlesinger

Audacy

Education, Investing, Business, Self-improvement

4.61.9K Ratings

🗓️ 16 December 2025

⏱️ 15 minutes

🧾️ Download transcript

Summary

I've done a decent job of saving for retirement over my career, but most of my savings are in pre-tax accounts. Should I switch it up for the last couple of years?

Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Transcript

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0:00.0

Welcome to the Jill On Money Show.

0:05.6

It's Tuesday, December 16th, and we're here answering your financial questions.

0:11.2

If you have one, just go to our website, jillonmoney.com.

0:14.9

In the upper right hand corner, wherever you actually navigate on the website, there is a contact us button. When you click that button, a form will pop up. That's the email that we receive. Now, if you're shy, you don't wanna be on the program with us, which is a big mistake, because we can make you anonymous, don't worry. But if you are shy, give us a lot of detail in your email, so we have a lot of information that we can help you answer whatever question is on your mind. If you do want to come on the air, check the box, Mark, we'll do everything else. Hey, while you're on the website, check out all of the content that lives there. We've got free content like the weekly newsletter, which comes out on Fridays. Mark does a great job with that. We have another podcast. It's called MoneyWatch. We've got a blog. We have a radio show. There are videos. We've got resources. And if you do want to spend a few bucks, check out Jill on Money Live. That is our subscription service. 45 bucks for the next 12 months. That's it. Incredible. You will have access to quarterly live webinars, the back catalog of those

1:12.9

webinars, bonus audio and video content, again, all for 45 bucks for the next 12 months. You can check

1:18.9

that out, Jill on Money Live. Okay, let's get on to you. Today, we are talking to Bill, who joins

1:24.9

us from the Twin Cities. Hello, Bill. What's going on?

1:28.5

Hi, Jill.

1:29.2

Thanks for having me on.

1:30.9

Really enjoy the show.

1:32.8

It is informative and entertaining.

1:36.7

So it's a thrill to be on with you and Mark.

1:38.9

Thank you.

1:39.2

Oh, thank you so much for saying that.

1:41.0

I'm so happy.

1:42.5

That's exactly what we're going for.

1:44.0

A little bit of information, a little bit of entertainment, a little bit of humor, and a lot of heart.

1:49.0

So hopefully we can get that through. So what's going on for you? How can we help you out?

1:54.0

So I have a question. I am 58. I hope to work for another two years, let's say, or less. And I have, I think, done a pretty

2:08.6

reasonable job of putting away a lot of retirement savings. And I'd like to kind of hear your

2:16.5

thoughts on that. But if I am going to

2:20.0

work for another couple of years, I have some questions about should I, and you'll find out

...

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